How to cancel a credit card?

1. Bank cards can be canceled through telephone banking. The bank card must be able to be canceled before it can be canceled by phone. Call the corresponding bank customer and enter the information according to the prompts to cancel the account.

2. Bank cancellation:

① Determine the bank’s working hours. Office workers are usually only available on weekends, while bank branches have different closing hours. It is recommended to call the bank customer service first.

② Bring all relevant documents. The most important documents are ID cards and bank cards. If your bank card has been used for online banking, you may have an online banking password card and an online shield, which you also need to bring.

③ Determine the balance in the card. To determine whether there is a balance on your card, you can check it at an ATM or over the counter. Generally speaking, if there is a balance, the window staff at the bank counter will take it out.

④The bank number is waiting for processing. Tell the lobby manager to go through the account cancellation procedures, and the lobby manager will directly help you get your number.

⑤Sign at the counter. When applying at the counter, submit your ID card and bank card, and bank staff will handle it directly. During the application process, there is an account cancellation confirmation list that requires signature and confirmation.

⑥After successfully canceling the bank card, remember to destroy the card! After signing and confirming, the bank's handling staff will cut the card with scissors and make a copy. After copying, they will return the relevant certificates, signature strips and cut cards for successful account cancellation.

How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall outlet to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After answering the call, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have credit card cancellation windows, so bring your relevant personal documents, such as ID card and credit card. If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

How to cancel a credit card?

The method of canceling an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation, and the customer service will confirm the identity. The card will be canceled for you;

2. Go directly to the bank counter to handle the cancellation procedure, and you need to bring your ID card and credit card;

3. Go to the bank ATM machine and insert the card 45 days after applying for cancellation. Credit card, and then check the status of the credit card;

4. If the card is canceled successfully, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again.

1. Definition:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , electronic payment cards with full or partial functions such as cash deposit and withdrawal_On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to cancel a credit card

Credit card cancellation process:

1. Verify credit card accounts

Before canceling a credit card, the cardholder needs to Confirm whether you have paid off all the credit card debts. If you have not paid off the debts, you should pay off the debts before applying to cancel the credit card.

2. Points Processing

When cardholders cancel their credit cards, they first need to check their credit card points. Based on their current credit card points, try to redeem some gifts or phone bills. , don’t waste your credit card points. After all, these are the points you accumulate every time you swipe the card. After canceling the credit card, the credit card points will be cleared.

3. Preliminary account cancellation

Credit card holders can go through the pre-account cancellation procedures by calling the bank’s customer service center, and then go to the bank outlet counter to formally cancel the account.

4. Formal account cancellation

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the credit card debts have been paid off and all the debts have been repaid. Once cleared, you can cancel your account.

5. Card Destruction

After the user cancels the credit card account, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.; use the phone to cancel the credit card After receiving the call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account.

2. Go to the bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to cancel all the points first. Cancel the card after redemption; cardholders should not use the credit card after submitting the credit card cancellation application until it is officially effective, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

If the cardholder's credit card limit is very low and they choose to cancel the credit card at this time, the cardholder also needs to pay attention to his or her card holding situation. If this is the first time you apply for a credit card, it is recommended that you do not cancel it, because with this credit card you can better maintain your personal credit. By swiping the card to improve your personal credit, it is also very useful for applying for credit cards from other banks in the future. Helpful.

If the cardholder holds a very large number of credit cards and thinks that his or her credit cards are enough and wants to cancel the credit card, the cardholder also needs to seriously consider when applying for cancellation. If he or she holds too many credit cards, It will become more and more difficult to apply for a card, and it will become easier to cancel it.

That’s it for the introduction of how banks cancel credit cards.